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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $19,962 |
Service code 27 · EIN 46-0615386 | Advisory (Plan) | $7,809 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,716 | $61,052-51.3% | $142,898-79.2% | $79,391-62.6% |
| Participation rate | 21.7% | 60.1%-38.4pp | 72.0%-50.2pp | 70.7%-49.0pp |
| Annual return | 13.60% | 16.02%-2.4pp | 5639.64%-5626.0pp | 116.88%-103.3pp |
| Employer contribution / active EE | $0 | $1,481-100.0% | $4,146-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $492 | $2,879-82.9% | $3,838-87.2% | $4,046-87.8% |
| Admin fee / account holder | $333 | $659-49.5% | $6,560-94.9% | $627-46.9% |